The most important aspect of buying travel insurance is to make sure that you are covered for medical emergencies, when abroad. But this too can have various loop-holes. So, you must make sure that the insurance company does not reject your application on baseless grounds. Suresh Sugathan, Head-Health & Travel Insurance, Bajaj Allianz General Insurance, says, "A traveler has to check the claims settlement record of the company which are usually available on the company's website or policy schedule." He also says that if this particular data is absent on the concerned site, cross-checking with other insurance firms for the same is advisable before getting the cover.